Buying a home is one of the most important decisions in life. It will affect you emotionally, financially and personally; therefore, we highly recommend seeking professional advice from your trusted Realtor during the Home Buying Process.
This Real Estate expert not only understands the process of buying, but also has a circle of influence with professionals such as loan officers, inspectors, contractors, surveyors, insurance agents, and more — all to support you every step of the way.
f you don’t already have a real estate agent, now is the time to find one. Make sure you interview your Realtor! This is a big adventure, and you must feel comfortable before you start the process.
Some buyers believe that calling the listing agent will save them money. That is a misconception. The seller’s agent represents the homeowner’s best interests, not yours. In Florida, it is customary for the seller to pay the commission, which means hiring your own agent is absolutely FREE for you as a buyer — whether it’s a new construction or a resale home.
Getting Started in the Home Buying Process
Cash Buyers
This is the easiest type of transaction where you can save money on closing costs. We can provide a cost estimate comparison so you can see the difference between cash and financing.
- Determine your budget.
- Have proof of funds ready (most sellers require your latest bank statement).
- Make sure funds cover the purchase price plus closing costs.
Financing Buyers
First, get pre-approved! Contact a loan officer to find out which loan programs are available based on your credit score, income, and available funds.
Getting Pre-Qualified
Ask yourself:
- What’s the maximum loan amount I qualify for?
- How much can I put down for a down payment? (Loans can cover 100%, 97.5%, 95%, 90%, etc.)
- What are the closing costs and additional expenses? (Inspection, appraisal, survey fees, taxes, etc.)
Closing costs are significantly lower for cash transactions.
Making Key Decisions
Congratulations! You’ve started the Home Buying Process and achieving the American Dream. Now it’s time to make choices about your property.
Consider these factors when building your Wish, Want, Must & Preferred list:
- City, county, or specific neighborhood
- Lot and home size
- Proximity to schools, parks, shopping, work, and transportation
- Number of bedrooms, bathrooms, and garage spaces
- Preferred property type, construction, or style
- School district requirements
Choosing Your REALTOR®
As mentioned, hiring a professional REALTOR® is the most important step. They will:
- Represent you and your best interests
- Educate you about the buying process
- Provide invaluable negotiating skills to help you get the best price and terms
Contact us to learn how we can help you achieve your dream of property ownership!
Viewing Homes
One of the most exciting steps is touring homes. You’ll see properties in all sizes, conditions, and styles, which is the best real estate education.
How to Search for Properties
- Work with your REALTOR® to receive property options directly
- Search online through our website (insert link)
- Ask questions about any property that interests you
Scheduling Showings
Try to schedule showings 24 hours in advance. Sellers need time to prepare. Last-minute showings are possible but not ideal.
Preparing an Offer
Once you find THE ONE, you’ll work with your Realtor to prepare an offer. A typical offer includes:
- Offer amount (price you’re willing to pay)
- Offer type: Cash or Financing
- Closing date
- Items you want left in the home (appliances, fixtures, etc.)
- Contingencies (inspection, appraisal, loan approval)
Approval and Negotiation
Once your offer is submitted, three things can happen:
- Seller accepts → Move to next step.
- Seller rejects → Possibly too low or too many requests.
- Seller counters → Room to negotiate.
Your REALTOR® will guide you, but ultimately, you have full control over what terms you accept.
After Your Offer Is Accepted
Once the seller signs, you’re officially under contract. Your agent will coordinate with all parties to keep things on track.
Key Steps After Acceptance
- Open escrow (deposit handled by a title company)
- Home inspection (hire a reputable inspector)
- Secure your loan and lock in your rate
- Appraisal (required by lenders)
- Survey (determines property boundaries)
- Title verification and insurance
- Obtain property insurance (title insurance, homeowners, flood, warranty)
- Final walk-through (24 hours before closing)
- Review all closing documents and figures
Signing and Becoming a Homeowner
How long does closing take?
- Cash purchase: usually under 30 minutes.
- Financing: expect 1.5–2 hours and lots of signing (over 100 pages).
Once all documents are signed and funds are disbursed: Congratulations — you’re officially a homeowner!
Who’s Involved in the Process?
- REALTOR®: represents you and your goals
- Mortgage lender: provides your loan
- Loan officer/broker: guides your loan approval
- Home inspector: checks for hazards or defects
- Appraiser: determines market value
- Title company: ensures lawful transfer, insurance, escrow
- Real estate attorney: optional, for reviewing documents
Buying a home is a journey filled with decisions, steps, and emotions — but with the right guidance, it can also be one of the most rewarding experiences of your life.
Partnering with a professional REALTOR® ensures that you are supported at every stage, from financing to closing, and that your best interests are always represented. Remember, the process doesn’t need to feel overwhelming. With preparation, open communication, and expert support, you’ll soon be holding the keys to your new home.
Are you ready to take the next step toward your dream home? Contact us today and let’s start the journey together!
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